Category Archives: Bankruptcy

We are often asked by clients whether they have enough debt to “qualify” for bankruptcy. This is a tough question to answer because no two people have exactly the same situations. However, here are some general observations that should help … Continue reading →

I am often asked by clients if I can help them settle their debts with creditors. My answer is almost “yes” but it is rarely my recommendation that a client pursue debt settlement when there are bankruptcy options available. This … Continue reading →

New chapter 7 filings were down once again in the month of June 2011. This continues an ongoing trend throughout the Country, but which appears to be accelerating in the Western New York region. Locally, chapter 7 filings were down … Continue reading →

Until 2009, if a client came into our office and was behind on his or her mortgage, the only real solution was Chapter 13. The homeowner could resume making mortgage payments directly to the lender the month after the bankruptcy … Continue reading →

The City of Buffalo has started its annual in rem tax foreclosure action (in rem 45). The foreclosure action represents the City’s effort to collect taxes, water charges, and user fees that are delinquent by two or more years. The … Continue reading →

If you are facing a mortgage foreclosure action in Buffalo, Rochester or anywhere in Western New York, we can assist you in a number of ways: 1. We can file an answer to the foreclosure action. There is almost always … Continue reading →

The adoption of the federal exemptions in New York State is simply fantastic. As bankruptcy lawyers, we knew that it was going to eliminate most small chapter 7 asset cases. However, now I am starting to see just how … Continue reading →

A few days ago, I posted an article discussing the future of bankruptcy filings in general around the Country. However, it appears that there is a more immediate force at work for Chapter 13 filings in New York State: … Continue reading →

I remember speaking with a local bankruptcy attorney a couple of years back about the future of bankruptcy practice. The attorney predicted that bankruptcy filings would start to decrease because of the lack of availability of new unsecured credit after … Continue reading →

Although there has been a lot of focus on the new federal bankruptcy exemptions adopted in New York recently, it is premature to declare that the trustees are out of business. There will still be plenty of cases in … Continue reading →

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